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SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED QUALIFICATION THAT HAS PASSED THE END DATE: 

National Certificate: Banking Services Advice 
SAQA QUAL ID QUALIFICATION TITLE
48533  National Certificate: Banking Services Advice 
ORIGINATOR
SGB Banking and Micro Finance 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY NQF SUB-FRAMEWORK
BANKSETA - Banking Sector Education and Training Authority  OQSF - Occupational Qualifications Sub-framework 
QUALIFICATION TYPE FIELD SUBFIELD
National Certificate  Field 03 - Business, Commerce and Management Studies  Finance, Economics and Accounting 
ABET BAND MINIMUM CREDITS PRE-2009 NQF LEVEL NQF LEVEL QUAL CLASS
Undefined  120  Level 5  Level TBA: Pre-2009 was L5  Regular-ELOAC 
REGISTRATION STATUS SAQA DECISION NUMBER REGISTRATION START DATE REGISTRATION END DATE
Passed the End Date -
Status was "Reregistered" 		 SAQA 9999/99  2018-07-01  2023-06-30 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2026-06-30   2029-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This qualification does not replace any other qualification and is not replaced by any other qualification. 

PURPOSE AND RATIONALE OF THE QUALIFICATION 
The primary purpose of The National Certificate in Banking Services Advice is to provide learners with the fundamental understanding, sound knowledge and relevant skills to comply with the requirements of the regulations under the FAIS Act to enable them to offer financial advice to clients in the banking sector. The successful learner will be able to be accredited as a fit and proper person to render financial advice in the banking sector in terms of the Regulations under the FAIS Act.

This qualification also aims to provide qualifying learners with the basic competencies and skills necessary to apply the basic principles of banking to the operations of any sector of the financial services sector to the benefit of the domestic economy.

This Qualification is for learners who:
  • Have worked in one of the sub-sectors of the Financial Services industry for many years, but have no formal Qualifications in their area of specialisation.
  • Wish to extend their range of skills and knowledge of the industry so that they can become knowledgeable workers in the industry.
  • Are in a learnership agreement with the BANKSETA.
  • Have recently taken up a position in banking .
  • Require a Level 5 Qualification for licensing purposes with the Financial Services Board (FSB)

    The qualification will empower learners to acquire knowledge, skills, attitudes and values required to operate responsibly in the banking sector.


    Rationale:

    The Financial Advisory and Intermediary Services (FAIS) Act, (Act 37 of 2002) was instituted to regulate the standard of financial planning services within the financial services sector. This Act requires all financial advisers to become licenced practitioners in the field. The Act prescribes that everyone providing services within the auspices of financial advisory and intermediary services needs to comply with the necessary regulations and, therefore, needs to be qualified at the required levels in order to offer such services.

    Financial advice and services are provided by both the insurance industry and the banking sector. Some employees in banks offer insurance product-related advice to clients as their core functions. In addition to these, as part of banking services to clients, banking personnel such as tellers, advisers and consultants are required to offer and consult on financial services and, therefore have to comply with FAIS regulations. It is estimated that 40% of people within the banking sector will have to comply with the fit and proper regulations of FAIS. This National Certificate has thus been established to address this need.

    The National Certificate in Banking Services Advice aims to give all learners a fundamental understanding of FAIS requirements and other relevant legislation as well as foundational knowledge and skills required for financial planning and for providing financial services of all kinds. The Qualification also introduces the learner to basic accounting and provides him/her with banking concepts, techniques and principles.

    Learners obtaining this qualification will have a firm foundation of knowledge of the banking sector and will have the necessary skills to secure a career in banking and embark on a path of lifelong learning at higher levels in banking or other fields in the financial services sector.

    This National Certificate was designed to accommodate the skills needs of banking employees and address compliance with the FAIS Act within the banking services sector. Therefore, this qualification is broad based in that it accommodates any type of learner wishing to be employed in the banking sector, particularly the frontline banking staff within retail banking who have to provide a `one-stop` service (banking and/or financial planning) to their clients.

    The banking industry because of the fact that it works with other people`s money is a specialised one that demands a labour pool of honest, ethical employees. This National Certificate aims to develop learners with those attitudes and values. The qualification will also give learners the opportunity to practice the skills they have learnt and apply the knowledge they have gained to their respective workplace (real or simulated) environments.

    The intention is:
  • To promote the development of knowledge and skills that are required in Banking and specifically for giving financial advice.
  • To release the potential of people.
  • To provide opportunities for people to move up the value chain.
  • To provide opportunities for lifelong learning for people who work in banking as the skills, knowledge, values and attitudes reflected in the Qualification are building blocks that can be developed further at NQF Level 6. 
    		•

    LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners who access this qualification are competent in:
  • Communication at NQF Level 4
  • Mathematical Literacy at NQF Level 4.


    Recognition of prior learning:

    The National Certificate In Banking Services Advice: Level 5 allows open access and may be achieved in part or in whole by Recognition of Prior Learning (RPL). Provision has been made for prior learning to be recognised if a learner is able to demonstrate competence in the knowledge, skills, values and attitudes implicit in this qualification.

    Application for Recognition of Prior Learning (RPL) should be made to a relevant accredited ETQA. 
    		•

    RECOGNISE PREVIOUS LEARNING? 
    Y 

    QUALIFICATION RULES 
    N/A 

    EXIT LEVEL OUTCOMES 
    Fundamental Exit Level Outcomes:

    1. Communicate effectively using verbal, non-verbal and written business communication forms in a workplace environment.

    2. Conduct basic numeric calculations in order to facilitate and interpret financial data accurately and appropriately

    3. Conduct one-self professionally demonstrating ethical behaviour in a workplace environment.


    Core Exit Level Outcomes:

    1. Demonstrate an understanding of the legislative concepts and requirements within the banking and financial services environment.

    2. Develop a thorough understanding of basic economic concepts in the light of historical and current conditions relevant to the industry.

    3. Discuss the applicable financial legislation in the banking, insurance, financial services and financial planning sectors.

    4. Offer responsible financial advice in relation to the products offered by a specific bank in at least three of the subsections of Category I as prescribed by the FAIS Act and its Schedule of Fit and Proper categories/regulations as listed below

    5. Provide a basic personal financial advisory service to clients.

    6. Provide the client with basic advice on personal financial planning.

    7. Explain and apply basic accounting concepts.

    8. Understand and apply the basic principles of investment.

    9. Develop a basic understanding of the context and principles of a business

    10. Explain and apply what the Code of Banking Practice is and its implications for clients and the bank in terms of the relationship a bank has with its clients.

    11. Compliance with the FAIS codes is explained and applied in terms of giving financial advice to clients.

    12. The regulations pertinent to corporate financial planning are understood and applied in practice


    Elective Exit Level Outcomes:

    Learners will have the choice of one of the following electives covered in the subsection of Category I of the Fit and Proper Regulations:

    1. Financial Services Providers (Category I)

    1.1 Long-term insurance (category A); e.g. a funeral policy
    1.2 Long-term insurance (category B); e.g. an education plan
    1.3 Securities & instruments as per the definition of `financial products` - Section 1 (1) of the FAIS Act
    1.4 Participatory interests in one or more collective investment scheme; e.g. a unit trust
    1.5 Deposits as defined in Section 1 (1) of the Banks Act 1990 of a term exceeding 12 months; e.g. credit card products


    Critical Cross-field Outcomes:

    1.
    Identify, systematically examine, critically evaluate and solve problems in which responses display that responsible decisions have been made, using critical and creative thinking.
  • Problems are solved by methodically exploring the issues and reflecting on given data to establish a variety of solutions by also considering the current and alternative circumstances in which problems should be solved. In this way correct advice is given to clients, correct procedures are chosen and compliance with relevant legislation is ensured

    2.
    Work effectively with others as a member of a team, group, organisation or community.
  • Learning and transfer of knowledge and skill is integrated within a team, organisation, work group or community.
  • Interpersonal skills are successfully applied so as to work effectively within a team, work group or community (includes listening, non-verbal communication, conflict management, co-operation and supportive actions).
  • Team objectives are achieved by displaying active team behaviour.

    3.
    Organize and manage oneself and one`s activities responsibly and effectively.
  • Activities are clearly planned and organized to achieve learning outcomes within specified timeframes and so that work tasks that have to be performed are completed on time and at the required level of performance.

    4.
    Collect, analyse, organize and critically evaluate information.
  • Data and information about clients and investment and loan instruments and vehicles are collected, organised and accurately evaluated so that the client is given the correct advice about investments and/or loans that suit his/her circumstances and requirements and to ensure that all actions comply with legal and regulatory requirements.

    5.
    Communicate effectively using visual, mathematical and language skills in the mode of written presentation.
  • All communication with clients uses the correct format, terminology and register and is clearly understood by the client .
  • Communication with other employees is appropriate at all times.

    6.
    Use science and technology effectively and critically, showing responsibility towards the environment and health of others.
  • The computer, and electronic media such as e-mail, internet, and faxes are used on a day-to-day

    7.
    Demonstrate and understanding of the world as a set of related systems by recognizing that problem solving contexts do not exist in isolation.
  • Behaviour and actions are sensitive to the various cultures, working environments and sectors.
  • Actions are conducted with honesty and integrity through the adherence of a code of conduct.
  • Learner knows the effect of bad advice on the livelihood of the client and the viability of his/her business

    8.
    Self manage skills development from the range of experiences and learning opportunities available.
  • Opportunities are maximized to gain learning and understanding from others. 
    		•

    ASSOCIATED ASSESSMENT CRITERIA 
    Fundamental:

    1.
  • All communication oral and/or written with internal and external clients is appropriate for the circumstances and the client and use is made of the correct medium, format, vocabulary, terminology and register.
  • Communication makes use of non-verbal forms such as graphs, pie-charts diagrams etc.
  • Oral presentations make use of the appropriate electronic and/or hardcopy aids.

    2.
  • The necessary calculations relating to the financial advice given to clients are performed correctly and presented in such a way that they are logical and understood by the client
  • Calculations required to perform routine work in the workplace are performed accurately and on time.

    3.
  • Ethical behaviour is understood together with the way in which ethics informs a code of conduct for a specific sector or workplace.
  • The basic elements of the code of conduct that regulates the banking industry and the specific bank in which the learner is employed are understood and applied in the learner`s everyday practice.
  • The way in which ethics has helped determine FAIS and FICA legislation is explained in the South African context.


    Core:

    1.
  • An understanding and knowledge of the relevant legislative environment is explained and applied in practical situations
  • A fundamental understanding of the theory and practice of the South African banking and financial services system is applied in practice
  • The financial products available to a client are explained with examples

    2.
  • The function of the economy and its participants are identified and listed in writing
  • The concept of supply and demand as it relates to markets and economic conditions is explained in writing
  • The effects of changes in demand and/or supply on prices and quantities are interpreted and explained in writing
  • The conditions under which markets fail and why Government intervention is necessary is discussed orally
  • Basic macro-economic goals and instruments, the GDP concept and its limitations is understood and applied in practice
  • The concepts of inflation is briefly discussed orally
  • The interaction between inflation and unemployment is explained orally
  • The objectives of macroeconomic policy are listed orally or in writing
  • The differences between privatisation, deregulation and competition are explained by way of practical examples
  • Research is done to explain the interaction and differences between different economic systems

    3.
  • The key compliance requirements of the following legislation is discussed, summarised and applied where applicable:

    3.1 Finance Intelligence Centre Act, Act 38 of 2001(FICA)
    3.2 Financial Advisors and Intermediaries Services legislation (FAIS)
    3.3 Bank Act of 1990
    3.4 Medical Schemes Act, 45 of 1955
    3.5 Long-term Insurance Act, 52 of 1998
    3.6 Short-term Insurance Act
  • A basic understanding and knowledge of the Occupational Health and Safety Act is demonstrated through application in practice

    4.
    Offer responsible financial advice in relation to the products offered by a specific bank in at least three of the subsections of Category I as prescribed by the FAIS Act and its Schedule of Fit and Proper categories/regulations as listed below:
  • Financial advice is given to client relating to the following Category I products:

    1. Financial Services Providers (Category I)

    1.1 Long-term insurance (category A)
    1.2 Short-term insurance Personal loans
    1.3 Long-term insurance (category B)
    1.4 Retail pension benefits
    1.5 Pension fund benefits
    1.6 Securities & instruments as per the definition of `financial products` - Section 1 (1) of the FAIS Act
    1.7 Participatory interests in one or more collective investment scheme
    1.8 Deposits as defined in Section 1 (1) of the Banks Act 1990 of a term exceeding 12 months
    1.9 Deposits as defined in Section 1 (1) of the Banks Act 1990 of a term of 12 months or less
    1.10 A benefit provided by a friendly society - paragraph (d) (ii) of Section 1 (1) of FAIS Act
  • An explanation is given of the governing bodies/professional institutes responsible for, and the regulations pertaining to, the following Category I products:
    - Long-term insurance (category C)
    - Insurance commercial lines
    - Foreign currency denominated investment instruments
    - Health service benefits

    5.
  • The selling process as it relates to financial services is explained and applied in practice
  • The following concepts relating to the steps of the sales process are identified in writing and applied:
    - The difference between offering advice and offering information
    - What constitutes financial advice
    - A basic needs analysis
  • Appropriate communication skills are applied in the sales process in a practical, relevant workplace environment
  • The advantages, features and benefits of the various products and services are identified and explained in writing with examples
  • A basic needs analysis and risk profile is conducted through a real simulated example
  • Appropriate solutions to needs are matched correctly in a real or simulated example
  • The results of the needs analysis/information is correctly interpreted in a practical example
  • The necessary legislative requirements of the FAIS Act regulations as they relate to offering/selling to clients are identified and applied in a real or simulated situation
  • The liability implications on the part of the financial service provider in rendering advice to clients is explained in writing

    6.
  • The fundamentals of financial planning are explained in writing
  • Knowledge of financial planning principles is applied in practice
  • Assistance on the establishment of cash flow and budget control is given to clients in a real or simulated scenario
  • Assistance with cash management and budgeting on a broad strike basis is provided to clients in a real or simulated situation
  • Cash flow terms and applications are explained in writing and applied practically in the workplace
  • Analysis of the debt level of a client is conducted in a real or simulated situation

    7.
  • An understanding of the Fundamental Accounting Concepts is demonstrated in writing
  • The relevance and meaning of financial analysis is understood and explained in writing
  • The transactions flow process through to the balance sheet and income statement is explained in writing and demonstrated in practice
  • The difference between a debit and a credit is understood and discussed orally
  • Assets, Liabilities, Income & Expenditure are differentiated and their relevance discussed orally
  • A Bank Statement is identified and its purpose explained orally
  • Bank Statement is reconciled with discrepancies identified and resolved
  • Knowledge of the types of credit available to clients i.e. loans, bonds, credit cards, overdrafts, etc. is demonstrated with examples of which product is best suited to which type of client
  • A client is assisted in identifying the effects of poor credit management on his/her personal situation
  • Basic financial data is interpreted through research and practical examples
  • The difference between income and expenditure is identified and explained in writing
  • Income and expenditure are accounted for correctly in practical examples
  • Simple financial ratios are identified and applied in simulated or real situations

    8.
  • An understanding of investments is demonstrated by listing, explaining and using the following in practical examples:
    - Investment vehicles - Bonds, Treasury Bills, Equities, Unit Trusts, Deposits etc
    - Insurance vehicles - annuities, endowments etc
    - Investment categories - cash reserves, fixed income, equity, property, hard assets or other direct investment
    - Types of equity investment structures ranging from fixed deposits to hedge funds, futures and options, multi manager and share portfolio principles
    - Investment terms and concepts
    - Terms and concepts relating to risk and return
    - Dividend yields
  • Correct terminology is used when dealing with investments either orally or in writing
  • The nature, role and responsibilities of the Stock Exchange are understood and discussed orally

    9.
  • The different types of business entities are identified and the characteristics and advantages and disadvantages of each are explained with examples
  • The properties of a partnership, close corporation, companies (public and private) and a trust are listed in writing
  • The strengths and weaknesses and requirements of the various types of business are discussed and explained with practical examples
  • The purpose and context of a business plan is explained verbally

    10.
  • The Code of conduct and ethics as it relates to corporate and personal financial planning is studied and discussed orally
  • Compliance with of the Code of Banking Practice is explained and the Code is applied in daily practice when dealing with customers
  • The consequences of non-adherence to the Code of conduct and ethics is identified and explained in writing

    11.
  • The General Code of FAIS regulations is discussed verbally
  • The Specific Code of FAIS regulations is discussed verbally
  • Compliance with these codes in terms of providing financial and banking services in general is explained and applied in practice
  • The consequences of non-adherence to these codes are identified and explained in writing

    12.
  • Rules and regulations contained in legislation and codes of practice such as FAISB, Code of Banking Practice, PPR and FICA are complied with in practice when giving corporate financial advice
  • The relevance of holding property title in the context of the corporate financial planning environment is explained in writing
  • The functions and roles of the following key players are briefly explained in writing:
    - Life Offices Association
    - Banking Council
    - The SA Reinsurance Offices Association
    - SA Insurance Brokers Association
    - Life Underwriters Association of SA
    - Institute of Bankers
    - Insurance Brokers Council
    - The Financial Intermediaries Federation of SA
    - Insurance Institute of SA
    - Financial Planning Institute
    - Institute of Retirement Funds
    - Financial Services Board
    - The Banking Ombudsman
    - The Life Assurance Ombudsman
    - The Association of Collective Investments
    - Department of Health (in terms of Category I - 1.11: Health service benefits)
  • Knowledge of the corporate financial planning market is demonstrated using practical scenarios
  • Local market, distribution channels and product offerings are discussed and explained with practical examples
  • Knowledge and understanding of sales and service delivery best practices in the market and how financial services companies fare against these benchmarks are applied in practice

    Elective:

    Learners will be required to do a practical assignment/case study in which the following aspects are described:
  • Nature of the product/investment vehicle
  • Advantages and disadvantages of the product/ investment vehicle
  • Potential clients
  • Preferred sales method and sales channels


    Integrated Assessment:

    Assessment of competence will be done through a combination of formative and summative assessment methodologies, tools and procedures, which will not discriminate against learners in an unjust or invalid way. Formative assessment will integrate theory with practice, with much of the transfer of skills being conducted in a real or simulated workplace environment. Assessment practices must be fair, transparent, valid and reliable.

    The focus of assessment must be on the assessment of the learning outcomes rather than learning outputs. The purpose is to determine whether the outcomes have been attained. Situations should present a wide range of options. Applications should require significant choices from a wide range of procedures and in a number of contexts.
  • Learning, teaching and assessment are inextricably linked. Where appropriate, assessment of knowledge, skills, attitudes and values should be integrated.
  • Assessment has a formative monitoring function. Formative assessment should be used to assess gaps in the learner`s skill and knowledge and to indicate where there is a need for expanded opportunities. The goal is to promote learning and to assess the efficacy of the teaching and learning process. Feedback from assessment informs teaching and learning and allows for the critique of outcomes, methodology and materials. Formative assessment is diagnostic and as such, it should guide the learner and the trainer. It is continuous and is used to plan appropriate learning experiences to meet the learner`s needs. It provides information about problems experienced at different stages in the learning process. As it is criterion referenced, if the learner has met the assessment criteria, he/she has achieved the outcomes.
  • Assessment should also have a summative component. Summative assessment may be used on completion of specific exit level outcomes and is also required on completion of all the exit level outcomes as an integrated whole before the Qualification can be awarded.
  • A variety of methods must be used in assessment and tools and activities must be appropriate to the context in which the learner is working. Assessment should take place in an authentic context as far as is possible. Where it is not possible to assess competence in the workplace, simulations, case studies and other similar techniques should be used to provide a context appropriate to the assessment.
  • Integration implies that theoretical and practical components should, where possible, be assessed together.
  • Integrative techniques should be used to assess applied competence. Learners should be required to demonstrate that they can perform the outcomes with understanding and insight
  • Assessment should ensure that all exit level Outcomes and Critical Cross-Field Outcomes are evaluated. Assessment of the Critical Cross-Field Outcomes should be integrated with the assessment of the exit level outcomes. The Critical Cross-Field Outcomes are implicit in the learning and assessment programmes should be designed to extend and further reflect the integration.

    While the retention of credits for learning successfully completed is difficult with a non-unit standards based qualification, learners completing learning and demonstrating competence through formative assessment will be credited with such learning, and will be credited with it should the learning be recommenced. Direct portability of such credits into another qualification will be difficult 
    		•

    INTERNATIONAL COMPARABILITY 
    This qualification is not benchmarked to any current overseas qualification as no similar qualification has been implemented in the United Kingdom or Australia, as the focus of this qualification is on compliance with specific legislation in South Africa relating to the financial services sector in general and the banking sector in particular. It forms part of a learning pathway of qualifications in banking which are based on standards that have been benchmarked against qualifications in the UK. It is felt that this qualification is equal in standard to those in banking already registered by the SGB for Financial Services and would equate well with any similar qualification internationally were such a qualification developed. 

    ARTICULATION OPTIONS 
    This Qualification articulates horizontally with the following qualifications:
  • National Certificate in Financial Planning NQF Level 5
  • National Certificate in Banking (NQF level 5)
  • The National Certificate in Financial Services: Wealth Management: NQF Level 5

    Vertical articulation is possible with the following qualifications:
  • Bachelors Degree in Banking
  • Advanced Diploma in Financial Planning: Level 6
  • National Certificate in Financial Markets: Level 6
  • In terms of the specialist areas of Category I of the Fit and Proper regulations, learners may also, on completion, access qualifications offered by the Institute of Financial Markets (RPE examinations) as well as SAFEX relating to foreign currency trading and investments 
    		•

    MODERATION OPTIONS 
  • Anyone assessing a learner or moderating the assessment of a learner against this Qualification must be registered as an assessor with a relevant Education and Training Quality Assurance (ETQA) Body or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Any institution offering learning that will enable the achievement of this Qualification must be accredited as a provider with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Formative assessment will be conducted internally by the provider with moderation being done by the relevant Education and Training Quality Assurance (ETQA) Body or by an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Moderation of assessment will be overseen by the relevant ETQA or by an ETQA that has a Memorandum of Understanding with the relevant ETQA, according to the ETQA`s policies and guidelines for assessment and moderation.
  • Moderation must include both internal and external moderation of assessments at exit points of the Qualification, unless ETQA policies specify otherwise. 
    		•

    CRITERIA FOR THE REGISTRATION OF ASSESSORS 
    For an applicant to register as an assessor for this Qualification, the applicant should:
  • Hold at a Banking or Financial Services qualification that is at least one level above this one i.e. at NQF level 6 or above
  • Have workplace experience in the banking sector or other any sector in the financial services field
  • Be declared competent in all the outcomes of the National Assessor Unit Standards as stipulated by the South African Qualifications Authority (SAQA). 
    		•

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this qualification was Reregistered in 2012; 2015. 

    NOTES 
    As per the SAQA decision to re-register all provider-based qualifications on the National Qualifications Framework that meet the criteria for re-registration, this qualification has been re-registered from 1 July 2018. N/A 

    LEARNING PROGRAMMES RECORDED AGAINST THIS QUALIFICATION: 
     
    NONE 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS QUALIFICATION: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. African Global Skills Academy 
    2. BLU AGRIFUXION SOLUTIONS (PTY)LTD 
    3. Fachs Business Consulting and Training 
    4. Felix Risk Training Consultants 
    5. FINANCEIUM SCHOOL OF BUSINESS (PTY)LTD 
    6. Masithuthuke Learning Institution 
    7. NDWAMATO TRAINING SOLUTIONS (PTY) LTD 
    8. NUBIAN SKILLS CONSULTING (PTY)LTD 
    9. Octomate Education Pty Ltd 
    10. RUDO CONSULTING cc 


    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.